It depends on the situation.

It depends on the overdue amount and time of your credit card. If a large amount is overdue for a long time, it will definitely not work. Generally, there should be no overdue for two consecutive months or three overdue in a single month in a year. QQ reserve fund, or QQ cash loan, is a credit financial product jointly developed by Tencent and Xinerfu. QQ has its own credit evaluation system. After the user applies, the QQ system will issue a quota based on the system's credit evaluation of the user. The maximum quota is 500 Yuan. QQ Cash Loan is the same as Alipay reserve funds. It is free of guarantees and mortgages. It is a pure credit loan product. The loan period is 1-14 days. After applying for the quota, you can withdraw it directly to your bank card or QQ wallet, and the payment speed is very fast. It's also relatively fast.